PHYSICAL DAMAGE

This insurance policy protects your vehicle against loss or damage. there are three types of coverage within this policy: Collision coverage: it protects against damages to your vehicle in the event of a collision with another vehicle or object. Comprehensive coverage: it protects your vehicle if it is stolen or damaged by something other than a collision with a vehicle or object. Fire and theft with cac: this coverage is aimed at some specific and limited, non-collision incidents.

PHYSICAL DAMAGE

WHAT DOES IT COVER?

– Vehicle repair or replacement if it collides, overturns, or rolls.
– Fire
– Theft
– Vandalism
– Towing, recovering, and storage costs (subject to a certain limit)

WHAT DOES IT COVER?
– Cargo damage.
– The standard coverage doesn’t protect any equipment that is
non-permanently attached to the insured tractor or trailer, such as
diver’s personal items, electronics, and tarps, however, you can add
these for an additional premium.

PHYSICAL DAMAGE
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KEEP THIS IN MIND

PHYSICAL DAMAGE DEDUCTIBLES

When you get a Physical Damage Insurance Policy, you need to choose a
deductible that must be paid in the event of a claim.

You are the one responsible for determining the amount of that
deductible (which is usually set at $1,000), however, we suggest you
keep in mind two things when making this decision:

– A higher deductible means lower insurance costs.
– Make sure to choose an amount that you can pay on any given day,
don’t go overboard compromising with a high rate just to reduce the
insurance cost.

Some situations are simply out of your control and you can’t predict when your truck will be damaged or lost due to an accident or other events. Let us help you right away. Email us at truckingsales@skholl.com or request a quote here.

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